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..._.... __ .. .._..._ .. _ r HAYT, HAYT & LMMU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 OUR FILE NO. 302706 Attorney for Plaintiff CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 Vs. JESSIE FOSTER D/B/A JESSIE FOSTERS BAiUMM DANCE 240 I ENHAR DR. NEw am m". PA 17070 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No . 10 -633 t 7em CIVIL ACTION "NOTICE 'You hmw been mud 1m 6W& N Vou wish fmdebrd apdnd #w d m @d loft 1nrw W N I @ p pw yw mud Ww moron NI?df1 bMM#y (rq) deyt a#w Ndm oarprYlt end mum mA smrwd. by mnMb • rrrrfen mppmeews permady w by e" WN end fiy b? tMrr+N m fM coot rr debrwes w obJearare to on olmrw met brb mOmbwt you. You we rrerned tlwt N you 1lr b do w lM ceoe mey peeed wMwtlpu end • pOrnwd mmy be er Wm w&- you by rw Gael vA f&~ normm for mny moo- .y crowd h we oonpMrt or br wW c wr aW m or mW ve*wmP and by Nw p" 'W, You mmy to .wwy or poprly or or,w rdlde hpaford b you. M TW CANWr AFKRD TO ! A LATfVMTM QIK X MAY W Atli TO P20V= YOU W1 SWOMMA21M AS= AQelCae =AT MAY C! LWAL 318MM TO SLUM PERNMO AT A REDUMM Oi1r0PM "AVISO 'Ls hmn darwndmao m uded el r cab. A umrd quhm dm6rdnse dm mdn dmmW w epuedem er tmm piOlrws maiMes. uded raw wbM pq dlmm„ de prep ml pmtdm r fodr de M darwdm y M nodine L H mm 6rt en0w row mormperwieim omorrm a on pnorr • oar w y e e b code mn boom em ft sue dofrwes a im- • In dwmwdee en oonbe de = p w=& fee mrrdm qw d uMd rw w decade. r cafe Now& madMa y pnde sod mwrtm demwndm me omntie deddr e tww dd ddamdmb W requbm ? ? wn lofts be proylmlmrws de aftdwmW& Uerd pwM pedw dbm - oare pepMdmdss u ofas dw*dws rperbmee pw ueld. III ENTADEMANMA UN A80SAM It+ mamTA mwm N NOT?NE ANOBU000 W N0 TV* EL ON 0 SUMMU E DE PAOM TAL BERYKNO. VAYA EN PEFAONAO Utmm POR TB NO ALA OFK=A CUYA OBt M E?ItxlENT11A lr/C,lpTA ABMO PARA AVEOMM OONOE W PUEDE CONBEOMt ns ASTENCIA LEGAL. , 00000 000-000-0000 *4a .00 o ?o-?-?^/ $3 C4(,It 8 3.L4 RT+ a31 ov 6.28% APR (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No hidden fees No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 Or visit www.Capitalonehomeloans.com Mon.-Fri. 8am-8pm; Sat. 10am-1pm EST Reservation Number: 5048 051 023 5379 500188 ' Adwrtiwd annual Percentage race is effatin as of 02/25/08 and subject to chan fe u any time. APR is based on good credit himaN $200,0010 kam aaaom,80% combined losn- ,slue ratio and a 30-year `. • rate 6-4im nwr WV Monthly payment ou fiv this example is $1,735. Additional teem and resteicdom apply. Capital One is on Fqual Housing l.endet See reverse for additional important informaton. Small BYSiness FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,059.15 - $215.00 + $80.73 + $46.80 = $5,971.68 $179.00 May. 19, 2008 Mar. 20, 2008 - Apr. 19, 2008 Page 1 of 1 Visa Business Card Account RTAN Rw AT LW 7115 MOM 4102.157140.171 N27 Rewards Summary C 2HOSde Previous avallatile balance: 8 815 Your Account Information REWARDS' Eamed the period. , 47 TOTAL CREDIT LINE $700000 (rdactshimischonspoakddin this tifngcycle) TOTAL AVAILABLE CREDIT $1,028.32 AvadadeBalance : 8862 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $1,028.32 Did you know that you could earn extra rewards when you mate purchases at merchants in our preferred netwark7 Visit our webs0e at www.cepitabne.com/nohesabrewrerds for more information. Finance Charges (Plesse see reverse for important information) Balance rate Periodic Corresponding FINANCE Payments, Credits 3 Adiustments applied to refs APR CHARGE 16 APR AR 1 PAYMENT $215.04 Purchases $6,070.52 0.04290% F 15.66% $80.73 Cash $0.00 0.04811% F 17.56% $0.00 Transactions ANNUAL PERCENTAGE RATE applied this period, 15.11% 2 19 APR PAYMENT PROTECTION 1A88.527-6904 $46.80 ® At Your service 1411011411117-011104 To old Cusbms RsaenrN or b report a bat a ablest card 0 8WW payments to: Captel Do RIUSA),NA • P.O. Box 70884 • Chartres, NC 2BM4884 A Send Mquirla to: Capital Ow P.O. Sm 30285 • Sall Lee Oy, UT $4130-0285 ® For More Information on your Rewards: Part: wwvicepihbne.amn/mileasiards Cot 1-000-226.3001 ® Have a "i seon about a charge on yeast statement? Please refer b 61e Billing Rights Summary on the back of your statement or visit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WwW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ca wftwo 1e' I what's in your wallet?' 0 4802137103778827 19 5971680215000179009 New Balance Minimum Payment Due Date $5,971.68 $179.00 May. 19, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA lrlttltrrllrltrllllrtl P•O. Box 70664 Charlotte, NC 26272-0664 lulrllnlntltllnrlnblurnlnlrlnlnlnunlulnllntll Account Number: 4802-1371-0377-8827 Please print address or phone number changes below using blue or black ink. Abme /hone A/arsate Kane E-maBadatew #9011103860044791# MAIL ID NUMBER JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 17331-5226 ntll6nlntcarttunrlltlrlntlrlnlFllnlnrlltunrltlnl EXM ff A Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 6.28% APR* 500204 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle • Customized loan amounts from $20,000 to 1500,000 • Guaranteed FIXED payments • No hidden fees No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2493 Or visit www.capitalonehomeloans.com Mon.-Fri. Sam-Rpm; Sat. loam-1pm EST Reservation Number: 5058 051 025 9556 Yi e • Ad-d-1 annual I,-.W nre u &-i a ?, d0312M20fla anJ:•d4- u, d-V ar any urns APR 6lu,ed m ed "t hiKory, $203,280 loon amount, 80% combined loan-tovdue nun std a 30-yur fund-nte f m4ien mortp@L Monthly paym-t for tbu a a* is $1,256. Addhiaul reran and ratuniom apply. LENDER (*;Otd 0- a an P.qual Hnruin8 haler. Sm reveres fi,r addiuwul impnrta,n inf,xnution. Small Business FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,971.68 - $189.00 + $75.33 + $46.27 = $5,904.28 $177.00 Jun. 19, 2008 Apr. 20, 2008 - May. 19, 2008 Page 1 of 1 Via Business Card Account 4M-l3714J774827 A (Z Your Account Information 2 REWARDS' TOTAL REVOLVING CREDIT LINE $7,000.00 TOTAL AVAILABLE REVOLVING CREDIT $1,095.72 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $1,095.72 AM RW AT MR Tits ANOUNr Rewards Summary Previous available balance: 8,862 Earned this period: 46 (M% is 1-S' fine poelad during 8de hung eycb) Available Balance 8,908 Payments. Credits 3 Adiustments 1 16 MAY PAYMENT $18900- FlnanOe Charges (Plane an reverse for important information) Transactions Balance rate Pericdc Corresponding FINANCE 2 19 MAY PAYMENT PROTECTION 1-8811-W-8904 $46.27 applied to rate APR CHARGE Purchases $5,982.93 0.04197% F 1532% $75.33 Cash $0.00 0.04718% F 17.22% $0.00 ANNUAL PERCENTAGE RATE applied this period- 15.92% ® At Your service 14WW74 004 To call Customer f elsou s or to Nixon a bat ar 515183 card ® Sad payments to: COW One Bk(USA),NA • P. 0. Bmc 708M • awool e, NC 28272AU Send Inquiries to: Ce0W Orw P. 0, Box 30285 • Sol Leke Oty, UT 84130-0285 ® For Mom Information on your Rewards: 1Aal: www.cep hlorw.caMnibeawads Get 14100-228.3001 ® Haw a question about a charge on your statement? Plane refer to the Billing Rights Summary on the back of your statement or visit PLEASE RETURN PORTK)N BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0f7e3' I what's in your wallet)' 0 4802137103778827 19 5904280189000177004 New Balance Minimum Payment Due Date C$5,904.28 $177.00 Jun. 19, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA P.O. Box 70::4 loll 1111111111111111111 Charlotte, 28272-0884 IIIIIIItilrrtIIIIIIIIIIIIIIIIIIIrrlrlnlnlnllulnlnllnrll Account Number: 4802-1371-0377-8827 Please print address or phone number changes below using due or black ink. Home fr one Akmaafe Rhone E-mak&okohe s #9014103860044798# MAIL ID NUMBER JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 17111-5228 rrinlrrtltlrnrrrnrrrutlrlrnnlrlrnlnnrrlrrrnrnrrrlnl"I EXAIBIT A Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. tatters in your wallet? JESSIE FOSTER WHOOPS 500009 It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) Waning on your tax stimulus check-and looking for a smart way to use it7 Pay off your debt and help being your Capital One account back to good standing. 0 2008 Capital One Seroitef, Inc Capital One it a fedemUy motered service mark. All rights reserved FINANCE Previous Balance Payments Z Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,904.28 - $0.00 + $77.12 + $86.56 = $6,067.96 $359.00 Jul. 19, 2008 May. 20, 2008 -Jun. 19, 2008 Page 1 of 1 Visa Business Card Account 4Wbt37t.057T4127 ft ?I C Your Account Information i @ REWARDS" TOTAL REVOLVING CREDIT LINE $7,000.00 TOTAL AVAILABLE REVOLVING CREDIT $932,04 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $932.04 PLEASE PAY AT LEAST THIS AMOUNT You're behind by one payment Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current Rewards Summary Previous available balance: 8,908 Earned ads period: 48 (Mfllde lraneadione PMW dumra ft biap cyeb) Forfeiled this period: 48- Available Balance: 8,908 Finance Chins$ (Posse see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,942.75 0.04186% F 15.28% $77.12 Cash $0.00 0.04707% F 17.18% $0.00 ANNUAL PERCENTAGE RATE applied this period: 1528% ® At Your Senri s 1•WD?BU4M To cal OEelonw Reabons ar b report a lost ar stobn card Did you know that you could earn extra rewards when you make purchases at merchants in our preferred network? Visit our websae at www.capitabne.comhiohassWewards for more information. Payments. Credits &Payments. Credits Ad(ustments Transactions 1 19 JUN PAST DUE FEE 0g 00 2 19 JUN PAYMENT PROTECTION 1-888-527.6904 $47.56 ® Send payments to: You were assessed a pest due fee because your minimum payment was not received by the due date. To Capital One Bk(USA),NA • P.O. Bar 70884 - Charlotte, NC 29172-0584 avoid this fee in the future, we recommend that you slow at least 7 business days for your minimum payment to reach Capital One. ® Send Inquiries to: Capita One- P.O. Bar 30285- Sal Lela City, UT 84130-0285 ® For More Information on your Rewards: Viet: www.oepiabrle.oomrmibeni a Cat 1-000.229-3081 ® Haw a question about a charge on your stater Bent? Please refer to the Biting Rights Summary on the tack of your statement or visit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4802137103778827 19 6067960189000359002 ?? I wlwt's in your wallet?' Account Number: 4802-1371-0377-8827 New Balance Minimum Payment Due Date 56,087.96 S359.00 Jul. 19, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed C::? Capital One Bk(USA),NA Irlrrlrrlrlllrrrrrrlll P.O. Sox 70864 Charlotte, NC 28272-0884 IHlrllnlurlrllnrlnlrlllnrlnlrlulnlullnlnlnllnrl? Please print address or phone number changes below using blue or black ink. Abme /Prone glta Phone Fina4ad&w #9017203860044793# MAIL ID NUMBER JESSIE FOSTER JESSIE FOSTERS SALLROOR DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 17111-5228 IDUMIT A Inrlllurlnrllnrllurllrlrlnrlrlulrllnlnrllrllnrlllnl Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. More ways we help you mind your business 500005 As a Capital One cardholder, you have preferred access to a wide range of customized business and personal financial services: • BUSINESS LOANS • BUSINESS LINES OF CREDIT • DIRECT BANKING • PERSONAL CREDIT CARDS • AUTO FINANCE • HOME LOANS • PERSONAL LOANS • HEALTHCARE FINANCE Just call 1-800-867-0904 or visit www.capitalone.com/smallbusiness to learn more about these products and services that also help make business worry-free. I CAPITAL ONE SMALL BUSINESS SOLUTIONS CENTER I Your Business Account Statement is Below. FINANCE Previous Balance Payments R Credits CHARGE Transactions New Balance Minimum Payment Due Date C$6,067.96 - $420.00 + $121.38 + $45.57 = $5,814.91 $174.00 Aug. 19, 2008 Jun. 20, 2008 - Jul. 19, 2008 Page 1 of 1 t Visa Business Card Account 4902-1771-0$77.9927 AI /H b Q Your Account Information l REWARDS TOTAL REVOLVING CREDIT LINE $7,000.00 TOTAL AVAILABLE, REVOLVING CREDIT $1,185.09 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $1,185.09 KM W AT L&W iNa AMOUNT Rewards Sum Previous available balance: 8,908 Earned Blis period: 46 (-%Cts trerreecYons posbd dung aria burg c)ob) Available Balance: 8,954 Pavmet•, Credits & Adiustments 1 25 JUN PAYMENT $210.Oa 2 17JUL PAYMENT $21000- Transacdons 3 19 JUL PAYMENT PROTECTION tA88.527-6904 $4557 Under terms previously disclosed to you, some or all of your Annual Percentage Rate (APRs) have been increased since your account wait past due twice in the pest 12 being cycle. If your rates have ekes* increased, subsequent deknquencie extended the duration of the increased rate. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,930.89 0.06822% D 24.90% $121.38 Cash $0.00 0.06622% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.90% ® At Your Service 14NO74M To cat Cuabmr Reldons or to report a bar or sbbn card ® Send payments to: Capital Oro Bk(USA),NA • P. 0. B. 78884 - Chrbos, NC 282724M Send Inquiries to: Capital Ow P.O. Bw 38285 • Set Lake Oly, UT 84138-0285 ® For More Information on your Rewards: Yidt: www.apitabrr.comrmibvswards Cat i-800-228-3001 ® Haw a question about a charge on your statement? Please refer to the Bitting Rights Summary on the back of your statement or visit w wvr.caoitalone.com/disoutes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4802137103778827 19 5814910210000174001 CWRWOW I what's in your watet7' Account Number: 4802-1371-0377-8827 New Balance Minimum Payment Due Date $5,814.91 $174.00 Aug. 19, 2008 PLEASE PAY AT LUST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA lr?trlrrlrlrrllrrrlrll P.O. BOx 70:84 Charlotte, NC 2:272-0:84 LddlydrrrlllLrr6nLlllnnLrLlrnlrrlrrllnrlrrlrrlLrrll Please print address or phone number changes below using blue or black ink. Home Rhone Ahemare prone E-MA#addrrss #9020203860044798# MAIL ID NUMBER JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 17111-5226 EX 031T A lurlllnrlutllurllntllr?nlnrln?nlrllnlnnl?nllur?rlrnl Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 6.65% APR` LENDER (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts up to $1,000,000 • Guaranteed FIXED payments • No hidden fees No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 Or visit www.capitalonehomeloans.com Mon.-Fri. Sam-Bpm; Sat. 10am-fpm EST Reservation Number: 5088 051 030 5180 500204 ' Advertised annual pescennge rate is ellictive a of (16/23/2008 and ntbjxt to di- ar any time. APR is ? on good credit history, $300.496 tmn amoum, combined erns and restrictions and a 30-yar fired-1.a¢ first-lien tnongagc. Monthly Cr [tau exunple is $1,929. 29. Additional decors and tcatriaiom apply. apital One is an Equal Housing lender. See reverse for additional important information. Small Business Previous Balance Payments Z Credits FINANCE CHARGE Transactions New Balance Mi i P $5,814.91 - $210.00 + $147.92 + $84.75 $5 837 58 n mum ayment Due Dab $175 00 Se 19 2008 , . . p. , Jul. 20, 2008 -Aug. 25, 2008 Page 1 of 1 Visa Business Card Account 4802-tS/t-09n-p47 A Your Accountlnformation Q REWARD!: TOTAL CREDIT LINE $7,000,00 TOTAL AVAILABLE CREDIT $1,162.42 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $1,162.42 Finance Charges (Planes see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,860.15 0.06822% 0 24.9D% $147.92 Cash $0.00 0.06822% 0 24.90% 50.00 ANNUAL PERCENTAGE RATE applied this porlod: 24.90% At Your Service • Go to wiwi G milabno cam ID Ramp yaw aoooad, or Cat 14800.867.0804 b repot a lest or do6n card or speak b Cudwssr Rehkcns ® Pay Online at f or mail yaw Payment b: OR" One Be* (USA), N.A. • P. 0. Box 70684 • Charlene, NC A Sand Inquiries to: C@OW Onw P.O. Bar 30285 • Sae Lana City, UT 84130-0285 ® Manage your Rewards online by visiting or Get 1-M228.3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the beck of your statement or visit www.01CRIBlahe com/dlsoUles RIA1f W AT (FAA THIS AA OUNT Rewards Summary Previous wed" balance: 8,954 Earned this period: 46 (MRIlds aansstims posted doing this Ming cycle) Available Balance: 9,000 Payments, Credits & Adiustments 1 20AUG PAYMENT $21001} Transactions 2 19AUG PAST DUE FEE $3900 3 25 AL1G PAYMENT PROTECTION 1.868527-6904 $45.75 You were assessed a pest due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at best 7 business days for your minimum payment to reach Cooled One. IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: If you pay your balance in full every month by your due date, you will enjoy an interest free grace period of 25 days on new purchases. Paying by your due date also helps you avoid late fees. Please see the enclosed di cbsures for more details and thank you for your business. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ca*~0 W I what's in your "list?' 0 4802137103778827 25 5837580210000175004 New Balance Minimum Payment Due Date $5,837.58 C$175.00 Sep. 19, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed , Capital One Bank (USA), N.A. P.O. Box 70aa4 Charlotte, NC 21278-0884 IIIIIIIII11.11. 11111-IIIIIIIII I IIIIIHhIIIII-II-I-IIIII-III11-11 Account Number: 4802-1371-0377-8827 Please print address or phone number changes below using due or black ink. Abme Fhone q/ ya phone E-ma eddim N9023903860044790B JESSIE FOSTER JESSIE FOSTERS BALLROOn 7430 DERRY ST HARRISBURG, PA 17111-522 MAIL ID NUMBER DANCE SCHOOL EXHIBIT A Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. R?a?NN saoooe "* a'5blyie'"""'"t' It could happen to anyone. Make sure you pay the amount JESSIE FOSTER due on your statement as soon as possible. WOOps Keeping your credit in good standing can ¦ do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES e B (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2008 Capital One Services, Irv. Capital One it a federally rhgutenid service marF. All ngba tewPwd. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $5,837.58 - $0.00 + $124.91 + $86.41 $6,048.90 $356.00 Oct. 20, 2008 Aug. 26, 2008 - Sep. 25, 2008 Page 1 of 1 Visa Business Card Account 4e0.1sna3n4W Your Account Information REVAARDS* TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $951.10 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $951.10 PLEASE PAY AT LEAST THIS AMOUNT You're behind by one payment Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current Rewards Su Previous available balance: 9,000 Earned this period: 47 (selects Tim imIT posed during ehis Kiang cycle) Available Balance: 9,D47 Finance Charges (Please am reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,90652 0.06922% D 24.90% $124.91 Cash $O.OD 0.08822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.60% ® At Your service - Go to wiNgcooftakno.opm lo manage )our eoomxd, or Oat 1404B -M to report a bat a sloan card or speek to C Menus Relations 0 Pay Online at www&sailebriamm or mail you prynant to: Capitol One Bank (USA), N.A. • P.O. Box TM • Chalons, NC 28272-M A Send Inquiries to: Capilel One, P.O. Box 38285 • Sol Lake (Sty, LIT 84130-0285 ® Manage your Rewards online by visiting or Cat 1-000.228J001 ® Have a question about a charge on your statement? Please refer to the Biting Rights Summary on the beck of your statement or visit Payments, Credits & Adiustments Transactions 1 19 SEP PAST DUE FEE $3900 2 25 SEP PAYMENT PROTECTION 1488-5275904 $47.41 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was pest due twice in the pest 12 billing cycles. If your rates have already increased, subsequent delinquencies extended the duration of the increased robe. Remember: If we receive your minimum monthly payment on time for 12 con"cutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. Your account is designated to close. Confine to make payments unto your balance reaches $0. Your account will close on the first statement after your balance reaches $0, Do riot make any new charges on your credit card and stop any automatic payments or pre-w8arized charges you may have set up on your account. If you use (swipe) your card during this time, we can consider this authorization to remove the close request and your account can remain open. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. cj*~ow I what's in your walls 0 4802137103778827 25 6048900210000356008 New Balance Minimum Payment Due Date C$6,048.90 $356.00 Oct. 20, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed , Capital One Bank (USA), N.A. P.O. BoCharlo'%70::12 . 8272-0884 IlhJill I11,1 'lllll'llllllllllhllllllllllll'llllll'itIII l) Account Number. 4802-1371-0377-8827 Please print address or phone number changes below using blue or black ink. Home Fhone A/a mefe ASone E-meNeoHress a #9027003860044795# MAIL ID NUMBER JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 17111-5226 EXHIBIT A lllhrlrhllllllPrllrhrvlhnlrlhlllhl?rlrhhlrrrlnlh,p Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail wkh this coupon in the enclosed envelope. important notification 41080 41110 Previous Balance Payments FINANCE yments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,048.90 - C:: $0.00 + $125.19 + $88.08 $6,262.17 $543.00 Nov. 19, 2008 Sep. 26, 2008 - Oct. 25, 2008 Page 1 of 1 Via Business Card Account 4542.1571.0577411527 .? N * J ? Your Account Information as REWA ??? RDir TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $737.83 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $737.83 of a change in terms to your account Please see the important notice included with this statement. It details changes to the: • Minimum monthly payment calculation This change will take effect starting with your December billing period. You cannot decline this chance • Fees applied to your account This change will affect fees billed to your account after January 25, 2009. You can decline this chance. Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,116.91 0.06622% D 24.90% $125.19 Cash $0.00 0.06622% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.80% ® At Your Service • Go a wwocallabris ow to merr0e Yale soonnt, a Car t-800.887-0s04 b report a bet a sblen card a speak to Customer RDWM 0 Pay Online at or mail your payment b: Capital Orr Bads (USA), N.A. • P.O. Box 71083 • Charbtb, NC 28272-1083 A Send Inquiries to: COW Orr P. 0. Bar 30285 - Sal Lofts City, UT 84130.0285 ® Manage your Rewards online by visiting or Cot 1-800.228.3001 ® Hew a question about a charge on your stat ment9 Please refer to Br BOV Rights Summary on the back of your statement or visit www.ceoitalone.oom/disoutes PLEASE PAY AT LEAS/ THIS AMOUNT You're behind by two payments. Let's talk. If you're having financial difficulties and can't make your minimum payment - we want to help. Lets work together to find a solution. Rewards Summary Pravxxs wobble balance: 9,047 Earned this period: 49 (mrads vary-t; pi- dump to hiig cyeb) Available Balance: 9,096 Payments. Credito & Adlustments Transactions 1 2000T PAST DUE FEE $3900 2 25OCT PAYMENT PROTECTION I.888527.6904 $4908 Under forms previously disclosed to you, some or all of your Annual Percentage Rata (APRs) have been increased since your account was pat due twice in the pat 12 b&V cycles. If you rata have etesdy increased, subsequent delinquencies extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed fa a possible return to your Non-Introductory APR. You are a vakied Payment Protection customer and may be eligible for benefits to be paid to your account per the terms of your Payment Protection agreement. If you have experienced an eligible loss cent, please call Stonebridge Benefit Services at 1.888.5275904 to see if you situation qualities for benefits. Your account is 6D days pat due and your coverage will be suspended if if reaches 9D days pest due, as stated in your Payment Protection agreement. Your account is designated to dose. Continua to make payments until your balance reaches $D. Your account will close on the fiat statement after your balance reaches $0. Do not make any new charges on your credit card and stop any automatic payments or pre-su8araed charges you may have set up on your account. If you use (swipe) your card during this time, we can consider this authorization to remove the close request and your account can remain open. You were assessed a pat due fee bemuse your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802137103778827 25 6262170210000543001 C11111101 V. Account Number. 4802-1371-0377-8827 Due Date New Balance Minimum Payment Amount Enclosed Nov. 19, 2008 $6,262.17 $543.00C= PLEASE PAY AT LEAST THIS AMOUNT #9030003860044790# JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7438 DERRY ST HARRISBURG, PA 37331-5226 11111111111--+II11•111.1111111111111111•••1.111111111111111"11 Lend a hand. Save the land. Manage your account online today- iYs fast, easy and secure. © Pay online anytime-no more checks, stamps or dutter. ® Moving) Change your address online or on the back. e Help save the planet-Go paperless. 0 sign up at www.capitalone.com. Capital One Bank (USA), N. A. EXHIBIT A P.O. Box 73083 Charlotte, NC 28272-1063 Illrlh'1"'11111.,1119IIIIII6drIt1.111i1••t11111•1111•IP1111 soozst 80 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MAKE A PAYMENT. AND TAKE CONTROL X70 wharaln,warwdet7 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. m 2008 Capital One Services, Inc. Capital One u a frdemIly re rstered service mark. All righn reserved FINANCE Previous Balance Payments & Credits pE Transactions New Balance Minimum Payment Due Date $6,262.17 - $0.00 + $131.27 + $89.81 = $6,483.25 $737.00 Dec. 20, 2008 Oct. 26, 2008 - Nov. 25, 2008 Page 1 of 1 Vise Business Card Account 4th02.1$71 0771 N27 ?1 b ? / Your Account Information , REWARDS' TOTAL CREDIT LINE $7,000,00 TOTAL AVAILABLE CREDIT $516.75 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $516.75 Finance Charges (Please am reverse for important information) Balance rate Panic* Corresponding FINANCE applied to rate APR CHARGE Purchases $6,334.21 0.00665% 0 24.40% $131.27 Cash $0.00 0.06685% D 24.40% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24.40% ® M Your service • Go a Ito mwrege your aoaour 1. or Cot 150688 -M to report a bat or sbl n card or speak to CLUoeer Ratetona ® Pay OndIM at MU&NIalliBlijin a mail you payment b: Capital One Be* (USA), N.A. - P.O. Box 71083 • Chsbtle, NC 28272-1083 10 Send Inquiries to: Capital Ons• P.O. Box 30285 • Sal Lake City, UT 84130-0255 ® Manage your Rewards online by visiting or Cat 100.228-3001 ® Have a question about a charge on your statement Please refer to the Billing Rights Summary on the beck of your statement or visit www.caoilalone-comMoules PLEASE PAY AT LEAST THIS. AMOUNT You're behind nt three payments. t t I you can bring your account current by paying the minimum payment amount on your statement you re having financial difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a call at 1.800.955.6600. You'd be surprised what we can do together to work this out. Rewards Summa Previous available balance: 9,096 Earned tes period: 51 (rends tomcbma posted during this burp cycle) Available Balance 9,147 Payments, Credits dr Adlustments Transactions 1 19 NOV PAST DUE FEE $3900 2 25 NOV PAYMENT PROTECTION 1468BM745904 $5081 Under terms previously disclosed to you, some or all of your Annual Percentage Rates (APRs) have been increased since your account was past due twice in the past 12 biling cycles. If your rates have already increased, subsequent ddmquencies extended the duration of the increased rates. Remember; If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. Your account is designated to close. Confine to make payments unlit your belance reaches $0. Your account will close on the first statement after your balance reaches SO. Do not make any new purges on your credo card and stop any automatic payments or pre-authorized charges you may have set up on your account. If you use (swipe) your card during this time, we can consider this authorization to remove the close request and your account can remain open. You were assessed a pest due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802137103778827 25 6483250210000737000 C"Wfti Account Number: 4802.1371-0377-8827 Due Date New Balance Minimum Payment Amount Enclosed EDec. 20, 2008 $6,483.25 C$737.00 C= PLEASE PAY AT LEAST THIS AMOUNT N9033103860044795fi JESSIE POSTER JESSIE POSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 17111-5226 111"I'I'I'hIII-IIIIII'1111'IIIIIIIIIIIII'11.11'I11' 111'I1, 1.1.1 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. ® Moving] Change your address online or on the back. e Help save the planet--Go paperless. O Sign up at www.capitalone.corn. E1 yL>rMIT A Capital One Bank (USA), N.A. ?11D1 P.O. Box 71063 Charlotte, NC 26272-1063 IIIIIII'I II"IIII16111 111111111 11111111 11111111111,11111111111111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JESSIE FOSTER ,hers M your wallet? TAKE CONTROL OF YOUR CAPITAL ONE* 5=11 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our fm check by phone service or speak to an associate by calling 1.800.955.6600. ® 2008 Capital One Services, Inc. Capital One is a fedemlly m9ittned service mark. All rights reserved FINANCE Previous Balance Payments R Credits CHARGE Transactions New Balance Minimum Payment Due Data $6,483.25 - $0.00 + $133.08 + $91.57 = $6,707.90 $976.00 Jan. 20, 2009 Nov. 26, 2008 - Dec. 26, 2008 Page 1 of 2 Visa Business Card Account 4810.1VII4177.Sw f? Your Account Information f? REWARDS TOTAL CREDIT LINE $7,000,00 TOTAL AVAILABLE CREDIT $292.10 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $292.10 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,556.14 0.08548% D 23.90% $133.08 Cash $0.00 0.06548% D 23.9096 $0.00 ANNUAL PERCENTAGE RATE apparel this period: 29.90% ® At Your Service • Go to wingFreltri Q opm to memos your W=A or cat 14800-067-0901 b repaid a bet or sblen cad or spark to Cudaror Re efons Pay Online N ViaL21iiiiiiialLMor ma4 your payment to OWW One Bonk (USA), N.A. • P. 0. Box 71083 - ChaMb, INC 28172.1083 A Send Inquiries to: Capita Orr P. 0. Box 30285 • Sat I"Cily, UT 84130-0285 ® Manage your Rewards online by visiting or (let 1.800.228-3001 ® Have a question about a charge on your rptemona Please refer to the BAV Rights Summary on the back of your statement or visit www.anitabne.com/dhsoutes PLEASE PAY AT LEAST THIS AMOUNT You're behind by four payments. But you can still bring your account current by paying the minimum payment amount on your statement Need help? Give us a call at 1 800 955 6500 We'll work together to find a solution. Rewards Summa Previous quad" balance: 9,147 Earned this period: 53 (rdbcts aemaclme posbd dudnp ads burg cycle) Available Balance: 9.200 Payments, Credits 3 Adlustments Transactions 1 20 DEC PAST DUE FEE $3900 2 26 DEC PAYMENT PROTECTION 1-888-527-6904 $52.57 Under terms previously disclosed to you, some or all of your Annual Percentage Refer; (APRs) have been increased since your account was pest due twice in the past 12 billing cycles. If your rates have skeady messed. subsequent delinquencies extended the duration of the Increased rata. Remember: If we receive your minmum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR. Your account is 90 days past due and your Payment Protection coverage has been suspended. As stated in your Payment Protection agreement, your coverage and monthly chage will be reirwtatad once your account is no longer 90 days past due. You may still be eligible for benefits to be paid to your account for loss events described in your Payment Protecon agreement. Call Stonebri ip Benefit Services at 1488-527$904 to see if your situation qualifies for benefits. Your account is designated to dose. Continue to make payments until your balance reaches $0. Your account will dose on the fast statement after your balance reaches $0. Do not make any new charges on your credit card and stop any automatic payments or pre-authorized charges you may have set up on your account. If you use (swipe) your card during the time, we can consider this authorization to remove the close request and your account can remain open. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO W W W.CAPiTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802137103778827 25 6707900210000976000 Account Number. 4802-1371-0377-8827 Lend a hand Save the land Due Date New Balance Minimum Payment Amount Enclosed . . Manage your account online today- Jan. 20, 2009 $6,707.90 $970,00 it's fast, easy and secure. O Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT ® Moving? Change your address online or on the back. I& Help save the planet-Go paperless. #9036203860044790# O Sign up at www.capitsione.com. JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST Capital One Bank (USA), N.A. EXHIBIT A P O B HARRISBURG, PA 17111-5226 . . ox 73093 Charlotte. NC 21272-1083 air1111'11"111.111I'x11111.111111111-1'111rII It I11.11111"11'1111 111111irlllrr11111'IIa1111111rr1111111111,lrlllrllrr111111INIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JESSIE FOSTER • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. 500077 FINANCE Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minimum Payment Due pats C$6,483.25 - $0.00 + $133.08 + $91.57 $6,707.90 cii76.iD Jan. 20, 2009 Nov. 26, 2008 - Dec. 26, 2008 Pape 2 of 2 fiowpage count 1 Via Business Card Account alo2.13714IM4117 Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH C HMS* UWARDS' $7,000.00 $292.10 $3,500.00 $292.10 PLEASE PAY AT LEAST THIS AMOUNT You were assessed a pest due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you slow at least 7 business days for your minimum payment to reach Capital One. EJHBI. A 500012 what's,nyorrrwallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. ® 2008 Capital One Services, Inc. Capital One is a federally regiamd service mark. AU rights reserved. Previous Balance P FINANCE aymelda & Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,707.90 - $0.00 + $133.31 + $39.00 = $6,880.21 $1,217.00 Feb. 20, 2009 Dec. 27, 2008 - Jan. 26, 2009 Page 1 of 1 VIN Business Card Account 4802.137141774a27 r ? Your Account Information ,IlrO ?r REWARDS' TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $119.79 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $119.79 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,780.93 0.06342% 0 23.15% $133.31 Cash $0.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied thin parted: 23.15% At Your SerWce • Go lowsercookabnevom1o ms age yox eooounL or Cat 14804887-0804 to report a leer or stobe card or speak to Customer Relaems 0 Pay Online at wwwasolifflone oom or mailyour Payment to: Capital Oro Bork (USA), N.A. • P.O. Bar 71083' Chablis, NC 28272-1083 A Send Inquiries to: capital One, P.O. Box 30285 • Sat Lake Oy, UT 84130-0285 ® Manage your Rewards online by visiting ar Cat 1.a14228J001 is Have a quagon about a charge on your thtemeM? Please refer to the Bilk% Rights Summary on the beck of your statement or visit www.crmitekxre.com/dsoutes PLEASE PAY AT LEAST THIS AMOUNT You're behind by five payments. We've permanenlly revoked your charging privileges If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. If you're feeling overwhelmed, call us at 1.800.955.6500 We'll work with you to resolve this matter Rewards Summary Previous available balance: 9,200 Earned this period: 0 (reflects ealseclima posted during aria inuring ryete) Avail" Balance: 9,20D Payments, Credits dr Adiustmellls Transactions 1 20 JAN PAST DUE FEE $3900 Udder terms previously disclosed to you, some or at of your Annual Percentage Rates (APRs) have been klrJessed since your account was past due twice in the pat 12 billing cycles. If your rates have already increased, aubaequent dekrh lhremaee extended the duration of the increased rates. Remember: If we receive your minimum monthly payment on time for 12 consecutive billing cycles, this account will be reviewed for a possible return to your Non-Introductory APR, Your account is 90 days pest due and your Payment Protection coverage has been suspended. As stated in your Payment Protection agreement, your coverage and monthly charge will be reinatafed once your account is no longer 90 days past due. You may stil be eligible for benefits to be paid to your account for loss events described in your Payment Protection agreement. Call Storerbridge Benefit Services at 1-888.521-M04 to see if your situation qualifies for benefits. Your account is designated to dose. Continue to make payments until your balance reaches $0. Your account will close on the first statement after your balance reaches $0. Ile not make any new charges on your credit card and slap any automatic peymenLt cr pea lhcrized cherges YOU may have set up on your account. If you use (swipe) your card during this time, we an consider this authcr¢stror to remove the close request and your account can remain open. You were assessed a pat due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at lest 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4802137103778827 25 6880210210001217000 CAW V Account Number. 4802-1371-0377-8827 Due Date New Balance Minimum Payment Amount Enclosed Feb. 20, 2009 $6,880.21 $1,217.00 ?? PLEASE PAY AT LEAST THIS AMOUNT N9002703860044799N JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 37331-5226 elrrlrrllrrll'I'111111'Illrllrlllllllli111111111' Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 0 Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the back. e Help save the planet--Go paperless. Sign up at www.capitalone.com. Capital One Bank (USA), N.A. E_1Gft1T A P.O. Box 73063 Charlotte, NC 26272-1063 Illllllrlllr'll1it'II'Illllllrrllllil"II'i'lll'll"IIIIIIII'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JESSIE FOSTER NOT PAYING YOUR DEBT 5=13 cw?~- rAr*at'e/nyourwd 1`t? DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. ® 2008 Capita! One Srrvira, inc. Caput! Orr it a fedem7ly m9imrrd service mark. All righu raerved Previous Balance Payments 8 Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due pate $6,880.21 - $0.00 + $13Y.28 + $78.00 $7,090.47 $1,459.00 Mar. 23, 2009 Jan. 27, 2009 - Feb. 25, 2009 Page 1 of 2 Visa Business Cad Account 4MdVI-0377mM7 fs A Your Account Information ?!i @ C REWARDS' TOTAL CREDIT LINE $7,000,00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) Balance 1`1119 Periodic Corresponding FINANCE applied to rate APR CHARGE Purchase $6,951.56 0.06342% 0 23.15% $132.26 Cash SO.00 0.06342% D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% ® At Your Service • Go to y gpma mwnpp your eo, , , or Cat 1900.867-0901 to report a tit or abhn cad or Speak So QMWW RAMMS 0 Pay OeUns at isisistiatilihoLm or mail your payment b: Capital One Be* (USA), N.A. • P.O. Bar 71083 • Chabtl, NC 26272-1083 A Send Inquiries to: Capital Oar P.O. Box 30285• Sat Lots; Oy, UT 84130-0285 ® Manage your Rewards online by visiting or Cat 1900.22&3001 ® Haw a question about a sharp on your stablmerd7 Please refer to the Bang Rights Summery on the beck of your statement or visit www.ca6Wone.com/dianutes t PLEASE PAY AT LEAST THIS AMOUNT You're behind by six payments. If we charge off your account due to late or missed payments, finance charges will continue to accrue. Act now to prevent this from happening. Please pay the minimum payment amount on your statement or give us a call at 1.800.955 6600. We're here to het Take control of your credit with Capital One. "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) eRactive immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Rewards Summa Previous available balance: 9.200 Earned this period: 0 (rMhcts transactions posled during ores bilkV rycb) Available dance: 9,200 Payments, Credib & Adiustments Transactions 1 20 FEB PAST DUE FEE $39.00 2 25 FEB OVERLIMIT FEE FEB 25, 2009 $39.00 Your accent is 90 days pest due and your Payment Protection coverage has been suspended. As stated in your Payment Protection agreement, your coverage and monthly charge wig be reimtaled once your account is no longer 90 days pest due. You may stig be eligible for berlefiltt to be paid to your account for loss events described in your Payment Protection agreement. Cal Stonebridge Benefit Services at 1-685627-04 to see if your situation qualifies for benefits. Your account has gone over its credit limit. To avoid additional over unit fees, you should pay more than the Minimum Payment. Pisan pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4802137103778827 25 7090470210001459001 Cq"X Account Number. 4802-1371-0377-8827 Due Date New Balance Minimum Payment Amount Enclosed Mar. 23, 2009 $7,090.47 C$1,459.00 PLEASE PAY AT LEAST THIS AMOUNT #9005703860044796# JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE SCHOOL 7430 DERRY ST HARRISBURG, PA 37313-5226 'illll'Illllll"I11"llillllllli'Il"Illllilll'Ilhlllll'Ill"III Lend a hand. Save the land Manage your account online today- ifs fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. ® Moving) Change your address online or on the back. e Help save the planet-Go paperless. O Sign up at www.capitalone.com. Capital One Bank (USA), N.A. EXHIBIT A P.O. Box 73083 Charlotte, NC 26272-1063 IIIIIIIrIIInrIIIllrlialllllllnnllilllrail?irlllrlinrllllilllrllll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JESSIE FOSTER a --;1- • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. 500017 FINANCE Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minimum Payment Due Date $6,880.21 - CiiKD + $132.26 + $78.00 $7,090.47 $1,459.00 Mar. 23, 2009 Jan. 27, 2009 - Feb. 25, 2009 Page 2 of 2 VIN Business Card Account PLEASE PAY AT LEAST THIS AMOUNT 410:•1t714$7r4w Your Account Information ARDS- TOTAL CREDIT LINE $7,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $3,500.00 AVAILABLE CREDIT FOR CASH $0.00 Your account is designated to dose. Continue to make payments until your balance reaches $0. Your account will dose on the 6rel statement after your balance rewires $0. Ito not make any new charges on your credit card end stop any, automatic payments or pre-authorized charges you may have set up on your account. If you use (swipe) your card during this time, we can consider this sutlwrization to remove the dose rawest and your account can remain open. You were assessed a pest due fee because your minimum payment was rat received by the due date. To avoid ft fee in the future, we recommend that you allow at least 7 business days tot your minimum payment to reach Capital One. EXHIBIT A CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JESSIE FOSTER Defendant(s). AFFIDAVIT The undersigned, being duly sworn, makes the following oath: 1. I am over 18 years old and competent to make this affidavit. I am an authorized agent of Plaintiff CAPITAL ONE BANK (USA), N.A. ("Capital One") for purposes of this affidavit. I am duly authorized to make this affidavit, and because of the scope of my job responsibilities, I am familiar with the manner and method by which Capital One maintains its normal business books and records, including computer records of defaulted accounts. 2. These books and records are made in the course of regularly conducted business activity (1) at or near the time the events they purport to describe occurred, by a person with knowledge of the acts and events, or (2) by a computer or other similar digital means, which contemporaneously records an event as it occurs. The contents of this affidavit are believed to be true and correct based upon my personal knowledge of the processes by which Capital One maintains its business books and records. 3. The books and records of Capital One show that Defendant(s) opened an account with Capital One for the purpose of obtaining an extension of credit and did thereafter use or authorize the use of the account for the acquisition of goods, services, or cash advances in accordance with the Customer Agreement governing use of that account. Further, Defendant(s) has/have breached the Agreement by failing to make periodic payments as required thereby. 4. The books and records of Capital One show that Defendant(s) is/are currently indebted to Capital One on account number 4802137103778827 for the just and true sum of $7586.41 as of 05/28/2009, plus interest accruing from said date at an annual percentage rate in accordance with the Customer Agreement, currently .00%, and that all just and lawful offsets, payments, and credits have been allowed. The Customer Agreement entered into between the parties also authorizes Capital One to recover from Defendant(s) reasonable attorneys' fees and costs to the extent permitted by law. 5. Post judgment interest will continue to accrue on Defendant's(s') indebtedness at the rate authorized by law and as set forth in the judgment order. 6. I declare under the penalty of perjury that the foregoing is true and correct and if called as a witness I would competently testify, under oath, thereto. Given under my hand on: Dated: Ottis Coward City/County of Chesterfield, to wit: Commonwealth of Virginia SUBSCRIBED and sworn to before me, the undersigned Notary Public in and for the jurisdiction aforesaid, by Ottis Coward, who acknowledged before me his/her signature to the foregoing Affidavit. GIVEN under my hand and seal this day of 20??/ Notary Public(i Notary Registration Number: N••? My Commission Expires: / / 20 SHAW .oQ) ?#rA4146 %p 600141 0+?Wri1?1[h M V(gh n MY COMMISSION EXPIRES Tiltwthy Shawn Wood- Notary PAN 0113U13 Commission No. 7264146 ????..• a?Q` %i Comm"m EONS 01131/2013 .?•* LTV A088 HAYT, HAYT & LANDAU CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JESSIE FOSTER Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. Dated: lle7q Ottis Coward A088 HAYT, HAYT & LANDAU HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 Attorney for Plaintiff CUMBERLAND COUNTY CAPITAL ONE BANK vs. JESSIE FOSTER JESSIE FOSTERS BALLROOM DANCE PRAECIPE TO DISCONTINUE COURT OF COMMON PLEAS CIVIL DIVISION No. 2010-833 PREJUDICE ITO THE PROTHONTARY: Kindly discontinue the above captioned matter wit prejudice. HAYT, HAYT & LANDAU By: Attorney for Plaintiff c7 C ~ o' -~ m~ a ~:~ ~ _.- _ ~ ~ r., _ _.. t